Accounts with Overdraft Protection Built In

Power Checking

Power Checking

Power Checking is loaded with features including no Overdraft Fees, multiple levels of CoverMe Protection, Early Payday and more. Plus, it even pays interest on your account balance.

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Power Checking +CoverMe

Power Checking +CoverMe

Add CoverMe to your Power Checking account for greater financial flexibility, more overdraft protection, and peace of mind. For just $3.99/month, you’ll get more CoverMe cushion (up to $100), which could potentially save you hundreds of dollars.

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SmartStart (Ages 13-17)

SmartStart (Ages 13-17)

Start your financial future off on the right foot with SmartStart Teen Checking. This account is designed to help members ages 13-17 build good money habits early to ensure their financial journey is a success from the start.

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Power Checking

Power Checking

Power Checking is loaded with features including no Overdraft Fees, multiple levels of CoverMe Protection, Early Payday and more. Plus, it even pays interest on your account balance.

Learn More
Power Checking +CoverMe

Power Checking +CoverMe

Add CoverMe to your Power Checking account for greater financial flexibility, more overdraft protection, and peace of mind. For just $3.99/month, you’ll get more CoverMe cushion (up to $100), which could potentially save you hundreds of dollars.

Learn More
SmartStart (Ages 13-17)

SmartStart (Ages 13-17)

Start your financial future off on the right foot with SmartStart Teen Checking. This account is designed to help members ages 13-17 build good money habits early to ensure their financial journey is a success from the start.

Learn More

Avoiding Overdraft Fees

As your financial partner for life, our goal is to educate you about products and services that will help you manage your account and reduce the potential for overdraft fees. Here are some easy steps you can take to reduce your chances of overdrawing your account.

Let’s Get Started With Overdraft Protection

These alerts can warn you when your balance falls below an amount that you specify. If you haven’t enrolled in Digital Banking, visit FirstCommerceCU.org and click the enrollment link located under the Digital Banking login box on the home page. Low Balance Alerts can be set up under the Alerts tab once you are logged in to Digital Banking.
Ask an FCCU team member to set up automatic overdraw transfers from a savings or other checking account to cover insufficient items when presented for payment. Don’t have a savings balance to tap into when needed? Consider our popular EvenUp Savings Account that will build a savings balance!
Set up an FCCU line of credit or credit card to transfer funds when there aren’t sufficient funds in your account to cover the transaction.
To learn more, call our Contact Center at 850.488.0035 or toll-free at 1.800.533.5772. You can also visit any of our 13 locations and request to remove overdraft protection from your account.
Try using our Personal Financial Management (PFM) suite in Digital Banking to help track your budget, spending habits, and plan for financial goals. After you log in, simply click the links above your account information to better manage your finances (Net Worth, Budget, Spending, Trends, Debts).
Discuss your financial health by visiting a Financial Services Officer at one of our 13 locations, or set a time to meet with a Six Pillars financial advisor.

Benefits of Overdraft Protection

Automatic Overdraw Transfers

Low Balance Alerts

Personal Financial Management Tools

Meeting With a Financial Services Officer

Line of Credit or Credit Card

Opt-Out of Overdraft (purchases are declined at point of sale)

Member Story

“I have been a member at First Commerce Credit Union since 1996. I must compliment your employee who went above and beyond the call of duty more so than any customer service representative I have ever experienced. She was very professional, friendly, and patient.”

Plan for Your Financial Future

First Commerce offers additional educational resources to help you manage your financial goals.

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Your Financial Partner for Life

Your Financial Partner for Life

Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.